Posted by Recently, a paragraph was madly forwarded:
At the age of one, he has insurance for a lifetime,
Insurance at the age of 30 is guaranteed for a lifetime.
1 year old is 30 years longer than 30 years old,
And it’s more than 3000 yuan cheaper every year,
It's about 20-6 cheaper in 7 years!
Since no one can escape from birth, old age, sickness and death,
Can't hide from accidents or diseases,
Insurance must be done sooner or later,
Why not do it as soon as possible while young and healthy?
Can anyone really predict:
When will you visit unexpectedly?
When will the disease happen suddenly?
Even know how much they will cost?
How much impact will it have on yourself and your family?
If you can’t, get the insurance as soon as possible.
Same for a lifetime, why waste money,
What's more, you are betting on when it will happen with the happiness of yourself and your family!
The first big risk: go too fast
When uncontrollable risks (such as accidents and illnesses) come, we are often at a loss. Many times we haven’t had time to say goodbye to our family, arrange work and debts, and have no time to explain.The most important thing, life came to an abrupt end.
What happens to the remaining debt if life ends suddenly?What about the family's future life?
The second biggest risk: halfway ups and downs
25-55 years old is the golden XNUMX years of life. This period is the most important stage of income and career development. It is also the time when the responsibility is heaviest.At this stage, we often bearThe burden of the family’s financial support, especially the only child, will face the support responsibilities of both parents after marriage.
People eat all kinds of diseases, headache, brain fever, cold and fever. What if unfortunately suffers from a serious illness?Such as cancer, kidney failure, myocardial infarction and so on.The ensuing huge medical expenses, rehabilitation expenses, nutrition expenses, mistakesLabor costs are a burden that most people cannot afford.
The third risk: living too long
People may not die suddenly, or they may not be seriously ill for a lifetime, but everyone will get old.
After retirement, what should I do if I have to survive for a long time without working?According to the different quality of life, everyone has their own pension plan. In their old age, how many people can achieve their ownPension dreams.
XNUMX. Buy accident insurance and life insurance, leave early, save money, love and not debt!
XNUMX. I bought health insurance, I was hospitalized, I didn't spend or spend less of my own money, and I didn't worry about dragging down my family!
XNUMX. Buy pension insurance, go late, have cash flow as long as one's life, and have dignity in old age!
1. Age-related-buy early, the premium is cheaper
When an insurance company calculates the rate, one of the factors is related to age. When buying the same protection, the younger the insured age, the less the cost. The older the age, the more the cost. This kind of price The gap will be more prominent when purchasing health insurance.
2. It is related to time-buy early, longer guarantee period
According to the guarantee period, life insurance can be divided into term life insurance and whole life insurance, term critical illness insurance and whole life critical illness insurance. Life insurance products can enjoy the protection benefits once they are insured. It will be longer.Many insurances also have a dividend function, and dividends are calculated based on compound interest, so the sooner you buy the insurance, the sooner you can enjoy the dividend income. The longer the cumulative time, the more generous the income.
3. Related to inflation-reducing the cost of inflation
With the development of society and economy, prices continue to rise, and consumption levels will increase accordingly. Similarly, insurance companies cannot keep the original rate products operating in the market for a long time. In this way, insurance products continue to be updated and replaced. Products will be discontinued after a period of time, and replacement products will be launched at a slightly higher rate than before.
4. Related to underwriting-buy early, easier to pass underwriting
Usually critical illness insurance, medical insurance, etc. have underwriting issues. Young people maintain good physical functions. When purchasing health insurance, they can usually underwrite directly without other cumbersome matters such as physical examinations.Older people generally require a physical examination. If they have suffered from certain special diseases, most of them need to pay a premium to cover the insurance, and they may even be denied the insurance.
5. It is related to risk-buy early, and defend against risks more adequately
Compared with price, the biggest significance of insurance is that buying early can prevent risks earlier.No one knows when he was injured, when he was sick, and when he left.It is impossible to know which one will come first tomorrow or the risk. A comprehensive insurance protection as early as possible will help calmly face the coming of risk.
Nowadays, post-90s have begun to take the initiative to buy insurance for themselves. Post-80s have become the main force in buying insurance due to their economic income and cost-effectiveness. However, the insurance premiums for post-70s are already high.At a certain age, if you need to use insurance to spread the risk of life, you need to plan as soon as possible.
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